Pradhan Mantri Awas Yojana 5 सालों में केवल 13% घर पूरे – जानिए अहम जानकारी

Pradhan Mantri Awas Yojana: 5 सालों में केवल 13% घर पूरे – जानिए अहम जानकारी

The Pradhan Mantri Awas Yojana (PMAY), launched in 2015, is an ambitious initiative by the Government of India aimed at providing affordable housing to millions. However, recent data has shown that only 13% of houses under this scheme have been completed in Uttar Pradesh over the last five years, highlighting challenges in implementation and progress.

As I delve into this subject, let’s explore the current status of the scheme, achievements, challenges, and what lies ahead.


Table of Contents

  1. What is the Pradhan Mantri Awas Yojana (PMAY)?
  2. Key Achievements Under PMAY in the Last Five Years
  3. State-Wise Progress: Leaders and Laggards
  4. Why Only 13% Completion in Uttar Pradesh?
  5. PMAY-U 2.0: What’s New?
  6. Challenges Faced by PMAY Implementation
  7. Steps to Apply for PMAY Benefits
  8. Future Outlook for PMAY
  9. FAQs About Pradhan Mantri Awas Yojana

What is the Pradhan Mantri Awas Yojana (PMAY)?

The Pradhan Mantri Awas Yojana (PMAY) was introduced in 2015 with the vision of providing “Housing for All by 2022.” The scheme focuses on constructing affordable pucca houses for urban and rural beneficiaries.

  • Two Components:
    • PMAY-Urban (PMAY-U): For urban areas.
    • PMAY-Gramin (PMAY-G): For rural areas.
  • Target Group: Economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG).
  • Financial Support: Central assistance to states and union territories for housing construction.

Key Achievements Under PMAY in the Last Five Years

Despite challenges, PMAY has made significant strides:

  • Total Houses Sanctioned (Urban): 118.64 lakh as of November 2024.
  • Total Houses Completed (Urban): Over 88 lakh delivered to beneficiaries.
  • Top-Performing States: Andhra Pradesh, Maharashtra, and Gujarat have reported substantial progress in housing completion.
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State-Wise Progress: Leaders and Laggards

A closer look at the state-level performance reveals disparities:

  • Uttar Pradesh: Sanctioned over 11.49 lakh houses but completed only 13%.
  • Andhra Pradesh: 6.85 lakh houses completed, showcasing efficient implementation.
  • Maharashtra and Gujarat: Completed 6.80 lakh and 6.63 lakh houses, respectively.
  • Madhya Pradesh: Achieved over 0.5 million completed units.

The stark differences highlight how local governance and administrative efficiency impact the scheme’s success.


Why Only 13% Completion in Uttar Pradesh?

As someone analyzing this, it’s clear that UP’s progress has been hindered by several challenges:

  • Administrative Delays: Lengthy approval processes.
  • Land Availability Issues: Scarcity of land in urban areas.
  • Funding Gaps: Delays in fund disbursement from the central government.
  • Labor Shortages: Post-pandemic disruptions.

PMAY-U 2.0: What’s New?

In August 2024, PMAY-U 2.0 was launched to address earlier shortcomings:

  • Additional Sanction: Construction of 10 million more houses.
  • Enhanced Funding: Increased budget allocations to accelerate construction.
  • Technological Integration: Use of geo-tagging to monitor project progress.

Challenges Faced by PMAY Implementation

Despite its noble vision, PMAY faces several hurdles:

  1. Budget Constraints: Funds often fall short of requirements.
  2. Urban Congestion: Difficulty in acquiring land for new housing projects.
  3. Beneficiary Identification: Ensuring only eligible individuals benefit from the scheme.
  4. Contractor Delays: Poor project management by contractors.

Steps to Apply for PMAY Benefits

Here’s how you can apply for the Pradhan Mantri Awas Yojana:

  1. Visit the Official Website: PMAY Official Website.
  2. Select Your Category: Choose from EWS, LIG, MIG, or slum dwellers.
  3. Fill Out the Form: Enter personal details, Aadhaar number, and income information.
  4. Submit Documents: Upload proof of income, identity, and residency.
  5. Track Application Status: Use the unique ID generated during registration.
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Future Outlook for PMAY

While challenges remain, PMAY has laid the foundation for inclusive housing development. Moving forward, these steps can ensure greater success:

  • Streamlining Processes: Simplify approval mechanisms to reduce delays.
  • Increased Budget Allocation: Provide consistent funding to states.
  • Public-Private Partnerships: Collaborate with private builders to enhance capacity.
  • Technology-Driven Monitoring: Use real-time data to track progress.

FAQs About Pradhan Mantri Awas Yojana

Q1. What is the main objective of PMAY?
A: The primary aim is to provide affordable housing for economically weaker sections by 2022.

Q2. Who can apply for PMAY benefits?
A: EWS, LIG, MIG groups, and slum dwellers meeting specific income criteria are eligible.

Q3. What are the major challenges faced by PMAY?
A: Budget constraints, urban land scarcity, and administrative delays.

Q4. How many houses have been completed under PMAY-U as of 2024?
A: Over 88 lakh houses have been completed and delivered to beneficiaries.

Q5. What is PMAY-U 2.0?
A: It is the revamped phase of PMAY, aiming to construct 10 million additional houses with better funding and technology integration.


By examining the progress and challenges of Pradhan Mantri Awas Yojana, it’s evident that while strides have been made, much work lies ahead. With improved policies and execution, the dream of “Housing for All” can become a reality.

Pradhan Mantri Awas Yojana 5 सालों में केवल 13% घर पूरे – जानिए अहम जानकारी
Pradhan Mantri Awas Yojana 5 सालों में केवल 13% घर पूरे – जानिए अहम जानकारी
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